BlastPoint's Banking Scorecard
Bank of Guam
Designations: ✓ Minority Depository Institution
Hagatna, GU
17 branches across GU · FM · MP · CA · MH · PW
Bank of Guam has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 73.3% in tier
- + Non-Interest Income / Assets 0.13% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 67.6% in tier
- - ROA 0.64% below tier average
- - Delinquency Rate 0.68% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GU) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.1B
+15.2% YoY
+4.3% QoQ
|
+$326.6M |
$2.8B
-0.1% YoY
|
$1.7B
+14.6% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$1.7B
+3.7% YoY
-0.2% QoQ
|
-$270.2M |
$2.0B
+0.6% YoY
|
$893.3M
+3.3% YoY
|
$3.2B
+10.8% YoY
|
59% |
| Total Deposits ? |
$2.9B
+15.9% YoY
+4.7% QoQ
|
+$524.5M |
$2.3B
-0.3% YoY
|
$1.5B
+15.3% YoY
|
$4.8B
+8.2% YoY
|
76% |
| Return on Assets ? |
0.72%
+132.6% YoY
-12.8% QoQ
|
-0.64% |
1.37%
+19.6% YoY
|
0.68%
+65.9% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
4.38%
-5.6% YoY
-10.0% QoQ
|
+0.56% |
3.82%
+6.9% YoY
|
4.93%
-4.7% YoY
|
3.89%
+5.7% YoY
|
85% |
| Efficiency Ratio ? |
81.50%
+1.5% YoY
+6.1% QoQ
|
+20.44% |
61.06%
-4.6% YoY
|
82.92%
-0.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.0% in tier |
| Delinquency Rate ? |
1.56%
-68.4% YoY
-20.8% QoQ
|
+0.68% |
0.89%
+14.1% YoY
|
2.17%
-56.7% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.8% in tier |
| Loan-to-Deposit Ratio ? |
59.09%
-10.5% YoY
-4.6% QoQ
|
-25.11% |
84.20%
+0.3% YoY
|
57.70%
-10.1% YoY
|
76.70%
+0.9% YoY
|
Top 6.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.73%
-12.0% YoY
-8.4% QoQ
|
+9.44% |
21.29%
-2.5% YoY
|
31.01%
-6.6% YoY
|
22.01%
-1.2% YoY
|
Top 14.6% in tier |
| Nonperforming Asset Ratio ? |
0.84%
-71.5% YoY
-24.2% QoQ
|
+0.17% |
0.67%
+15.6% YoY
|
1.10%
-61.4% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
14.29%
+0.4% YoY
+1.3% QoQ
|
-0.87% |
15.16%
+2.0% YoY
|
20.56%
+6.5% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.38%
-12.5% YoY
-75.7% QoQ
|
+0.13% |
0.26%
+1.6% YoY
|
0.30%
-13.1% YoY
|
0.32%
+4.1% YoY
|
Top 9.0% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.